Banking

Excess Share Insurance (ESI)

We are pleased to inform you that all qualifying deposit accounts* in Hoosier Hills Credit Union are eligible for private deposit insurance from Excess Share Insurance Corporation (ESI) over and above the federal deposit insurance provided by the National Credit Union Administration (NCUA).

About ESI Coverage

First, NCUA's basic federal coverage provides share insurance protection up to $250,000, but accounts may be structured in different ways, such as joint, payable-on-death or IRA accounts, to achieve federal coverage of more than $250,000. For details about federal share insurance, or how to structure your accounts to qualify for greater federal coverage, please check with a Hoosier Hills Credit Union representative or contact the NCUA.

Second, all qualifying deposit accounts* exceeding the maximum level of coverage at Hoosier Hills Credit Union only applies to qualifying deposit accounts* once the account balance exceeds the federal coverage limit. 

Example of insurance coverage

Click for more information about Excess Share Insurance.

 

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